Sberbank of Russia is regularly engaged in the development of new banking products, they are designed to meet the needs of different categories of citizens, regardless of age and status.This card product, the card "Youth", Sberbank issued specifically for their young clients.
One advantage of using this card is that the calculation of the store for goods or services, 10 percent of the amount of the check is returned to the balance of the card as a bonus from the bank, which can be in the future to pay for other products.In addition, the card holder can it quickly and easily pay for mobile communication services, by sending a text message to a short number.It can also transfer money to another person, knowing only his phone number, pay for online purchases, and other features will be available to the user of such a beneficial product, the card "Youth" (Sberbank).Responses about it can be found both positive and negative, but positive nevertheless more.
map feature
- card may only be the ruble, ieIt is possible to store only the Russian ruble.
- three-year term of the card has the "Youth" (Sberbank).
- annual fee is 150 rubles.
- can be used to pay for the Internet.
- Bonuses for shopping.
- cardholder is free to establish a special mobile application.
- Within two months from the date of the connection service "Mobile Banking" is available for free.
requirements of the bank to the cardholder
Issued debit card "Youth"?Sberbank of Russia provides it to persons aged 14 to 25 years old with a passport of a citizen of the Russian Federation and the registration in the region where the card is issued.
If young people decide to get a credit card youth, in this case, the age limit will be from 18 to 30 years, and also the passport and registration must be submitted to the bank certificate confirming the income of a potential borrower.This document can be obtained from the employer, in this case the borrower to work there must be at least six months.For full-time students proof of income can be a certificate of scholarship.
You can also submit to the bank a certificate of scholarship along with a certificate of employment, in this case, the length of service on the last job may not be less than three months.
How to get a youth card?
Make a request for a youth card can be directly on the site of the Savings Bank.In the present form you need to enter personal data such as full name, address of registration, information about the work place, the contact information.Then you choose the most suitable options for you card and the division of the bank where you will be comfortable to get her hands on.
There is another "trick" cards - it is a choice of design.Savings Bank offers two types of design - standard or customized.When selecting individual design of a plastic card, the future of its owner can upload your photo or choose one of those figures, which offers Sberbank.But it is worth emphasizing that in the individual design will have to pay an additional 500 rubles.
So you fill out an application.Now we need to wait for a response from the specialist bank, which will verify the information you have provided.
Get the card can also apply to any branch of the Savings Bank, but only in the region in which you have a residence permit.You should have a document confirming your identity.
You may also be interested in how to make maps of the Savings Bank?Youth debit card will be ready in 2-3 weeks, you can pick it up in the department that you specified in the questionnaire.Do not forget to bring your passport or any other document that can verify your identity.
A Youth Savings Bank credit card will not be issued remotely via the Internet.You will have to double contact the bank branch: the first time for the submission of documents and filling out the questionnaire, and the second time - to receive the card.The decision to grant the borrower a credit card accepted by Sberbank of no more than three working days.
conditions and tariffs map
Debit Card Youth "Sberbank of Russia" will cost you 150 rubles a year, and the credit - 750 rubles.Terms of credit cards provide a grace period, which is fifty days, that is, during this period the interest will not be charged.Limit on credit from three to two hundred thousand rubles, the interest rate on borrowings - 24% per annum.If the borrower need to withdraw cash with a credit card "Youth" for this service that the bank will take a commission of 3%.
How to replenish card "Youth"?
There are several ways to top up the card from the Savings Bank:
- cashless via the Mobile Bank, Sberbank Oylayn service, a special mobile application and sms service.
- cash through ATMs and self-service terminals.
- in ticket offices of other banking institutions - it is necessary to know the details of the card;
- in cash department of the Savings Bank.
Guest card holders "Youth»
Members of such a product, like a map "Youth" (Sberbank) give different responses.Some highlighted the fact that the procedure of registration of a credit card is not ideal, since there is a more progressive order of receipt.So, you can make it possible to remotely apply for a preliminary decision from the bank to issue credit.Another negative point, which is allocated clients of Sberbank - is that the conditions for the credit card are not discounted and do not differ from those on credit cards for other categories of clients of Sberbank.
But the positive aspects noted yet more.The most basic - is to provide students an opportunity to receive a loan without employment.Another nice aspect of this card product - the existence of the bonus program.So, paying for their shopping card "Youth", young people accumulate bonuses that in the future they can spend on the purchase of other goods.There are many benefits of this product that make life easier for young people.
